Businesses Seeking Loan

Track record & experience: - Over 10 years of experience in landscaping and hydroseeding services in Latvia and select international markets. - Strong expertise in green infrastructure, soil stabilization, erosion control, and lawn development across varied environments. Business scope & revenue model: - Professional hydroseeding services for private, industrial, and municipal projects. - Manufacturing and sale of hydroseeding materials such as mulch, hydrogel, and bonding agents, supplied to clients across Europe. - Design and production of custom hydroseeding equipment for contractors and landscaping professionals. - Pricing is based on project size and scope, supporting both one-time projects and long-term contracts. Client base & markets: - Serves commercial and private landowners, construction and landscaping contractors, municipalities, and infrastructure developers. - Products and services are used across the Baltic region, Scandinavia, and other European markets. Partnerships & business relationships: - Maintains partnerships with local and international suppliers of seeds and landscaping materials. - Works with recognized business support organizations, including Altum (a development finance institution in Latvia) and the Latvian Chamber of Commerce and Industry. - Participant in the business incubator program, supported by a grant under the European Regional Development Fund, indicating external validation of the company’s growth potential. Promoter & team experience: - Built on more than a decade of hands-on experience in landscaping, hydroseeding services, and material development. - Possesses technical expertise in both service execution and custom equipment design. Awards & recognition: - Supported by national and regional business development grant programs, reflecting early-stage credibility and growth potential. Reason for drop in run-rate sales: - The decline in run-rate sales is due to the seasonal nature of landscaping activities, with lower demand during winter months. - To reduce seasonality, the company plans to expand into the manufacturing of hydroseeding equipment and materials, enabling year-round revenue generation. Revenue and employee structure: - The company operates with a small permanent team supported by seasonal workers hired for approximately 3–4 months during peak periods. - Seasonal employees are not included in the permanent employee count, which explains the higher revenue levels relative to the listed workforce size.

• Operates a top-ranked bakery and pastry brand on TikTok Shop Malaysia. • Best known for Sarawak layer cake with strong cultural appeal and gift suitability. • Products have a long shelf life, making them ideal for travel-friendly souvenirs. • Achieved top position in the pastry & bakery category and overall F&B among 14,000+ TikTok shops. • Served over 200,000 online customers within 12 months using a single core SKU. • Records annual revenue of approximately MYR 4 million with strong online traction. • Generates majority of sales through TikTok Shop and Shopee storefronts. • Handles average monthly order volumes of 50,000–60,000 pieces. • Currently relies on contract manufacturing to fulfill production. • Company maintains a core team of permanent employees to ensure stability and operational continuity, while also hiring contract staff as necessary to manage seasonal demand. • Faces supply-side constraints due to limited capacity and inconsistent quality from suppliers. • Currently, lacks in-house certifications, restricting offline retail and export expansion and hence is seeking investment to establish a certified production facility and scale distribution. • Targets revenue growth of at least 3x with EBITDA margin expansion up to 25%. • Led by a founder with deep digital marketing expertise and offline sales experience. • Registered with SSM certification.

• Award-winning hospitality: proud recipient of the Airbnb guest favourite badge for three consecutive quarters. This distinction is only given to the top-rated, most-loved homes on Airbnb based on ratings, reliability, and exceptional guest reviews. • Proven revenue model: successfully operating with a high-margin "exclusive rental" model for the villa and venue, supplemented by a consistent daily flow of food and snack sales from the restaurant. • Strong client base: we serve a diverse mix of local families, domestic "staycation" travelers, and international tourists. Our venue is a go-to destination for private celebrations and corporate gatherings in Borongan City. • Strategic promoter experience: led by a founder with international hospitality exposure through a USA-based internship, bringing a higher standard of service, cleanliness, and operational efficiency to the local market. • Established business relationships: strong standing with local government units (LGU) with fully updated business permits and active partnerships with local suppliers for fresh, high-quality ingredients. • Prime infrastructure: benefiting from a newly completed government seawall that has not only secured the property but also significantly enhanced the aesthetic value and safety of our beachfront. • Revenue is generated from short term rentals and serving food. • Assets include land and building which are necessary for operations. Investment is required for working capital and expansion and we will provide collateral for the same.

Located in Hubballi, our company specializes in residential real estate construction, focusing on creating high-quality apartments and premium living spaces. - Founded by a marketing expert with over 20 years of experience and two civil engineers boasting a combined 40+ years of expertise, we bring extensive knowledge to the real estate market. - Our first project features 16 residential units, each measuring 1,250 sq ft, and was nearly sold out before completion, with a swift 10-month timeline. - We are currently developing our next project, which is already 75% booked, highlighting strong demand for our real estate offerings. - The upcoming project encompasses a 24,000 sq ft land bank, aiming for approximately 136,000 sq ft of constructed area, catering to growing residential needs. - Our primary revenue model focuses on property sales, enhanced by comprehensive online and offline marketing strategies to reach a broader customer base. - We are actively seeking collaboration with investors and venture capital partners to expand our brand and drive strong, sustainable returns within the residential real estate sector.

The business is an English medium private school located in Rajdhanwar, catering to students from 1st to 10th standard. - It has a capacity of 200 students, providing personalized attention and better student-teacher ratios. - Infrastructure includes modern amenities such as computer classes, a playground, and CCTV monitoring for enhanced safety and security. - The curriculum encourages English speaking, promoting language skills among students and preparing them for a globalized world. - The school aims to deliver high-quality education, positioning itself as one of the best schools in the region. - Revenue is generated primarily through student tuition fees, making it financially sustainable as enrollment increases. - Operates with a valid registration certificate and a GST certificate.

• Contracting business providing painting, POP, tiling, interior, and civil works. • Specializes in tile adhesive application, painting services, and POP channel installations. • Offers complete interior finishing and minor civil execution services. • Serves residential and commercial property owners, along with local builders. • Maintains active relationships with approximately 4–5 regular builders. • Completes an average of 15–20 projects per month across residential and commercial sites. • Generates business through builder references and online platforms such as Justdial. • Known locally for quality execution and timely project delivery. • Operates with an established execution team and scalable manpower setup. • Registered under Udyam, supporting formal MSME recognition. • Positioned for expansion with growing team strength and increasing project demand.

Early-stage digital real estate platform focused on property listing, promotion, and allied services. - Based in Bhubaneswar, Odisha, with plans to operate on a pan-India scale. - Revenue model includes subscription fees, listing charges, property marketing services, legal verification, and market valuation support. - Platform will cover residential, commercial, rental, and auction properties across multiple categories. - Aims to simplify the buying process by enabling buyers to evaluate properties digitally without mandatory site visits. - Proprietary database of approximately 200–300 property records already structured for platform integration. - Product roadmap includes launch of mobile and web applications for sellers, brokers, builders, and buyers. - Currently in pre-revenue stage, registered and operational for approximately two months. - Lean team of 8 employees handling technology, data, and early operations.

The business operates in the education sector, offering schooling and college education in Visakhapatnam. - Provides comprehensive education from 1st standard to 12th standard, catering to a wide age range of students. - The institution currently serves a student base of approximately 450, ensuring a focused learning environment. - The establishment is recognized with a registration certificate, highlighting its legitimacy and compliance with local education regulations. - Services include a well-rounded curriculum, extracurricular activities, and student support, aimed at fostering holistic development. - Revenue is generated through student tuition fees and possibly additional services such as workshops and after-school programs, making it financially sustainable.

Business overview: A newly established automobile wholesale company based in Kochi, India, specializing in the export of brand-new passenger vehicles, specifically targeting overseas importers and automobile dealers. - Export focus: The company operates primarily under confirmed Letters of Credit (LCs) for secure international transactions, ensuring prompt payment and risk mitigation. - Core products: The flagship products include popular models like the Toyota Land Cruiser and Hyryder, appealing to a global audience looking for high-quality passenger vehicles. - Customer base: The primary customers are importers and automobile dealers in markets such as Sri Lanka and Africa, showcasing an international clientele. - Operational model: The business employs an asset-light model with a high capital-rotation strategy, enhancing cash flow management while maintaining an operating EBITDA margin of approximately 5–6%. We also do not require a large workforce, and 4 employees are sufficient to fulfill all current export commitments. - Investment opportunity: Seeking working capital to fulfill current export orders and upcoming inquiries for 40 additional vehicles, with an expected investment return of up to 3% per month from realized export profits. - Financial health: Currently, there are no outstanding loans, making the business a low-risk investment. The operating cycle is typically 30–45 days, ensuring rapid turnover of capital. - Strategic location: Based in Kochi, the company benefits from its proximity to major ports and extensive dealer networks, facilitating efficient logistics and export operations.